Co-op Membership

Fully guaranteed funeral plans

Unlike some Funeral Plan providers, we promise to cover all the costs of the services included in your chosen burial or cremation plan. Some providers only provide a contribution towards third party costs. We don’t think this is fair, which is why our Funeral Plans are fully guaranteed.Ɨ

See why we believe our Funeral Plans are the best available...

Our funeral plans start from just £2,795±

All our funeral plans guarantee to cover the third party fees, no matter how much they might rise in the future Ɨ

A range of payment options, so you can spread the cost up to 25 years (based on your age). Use our repayment calculator to find out more

If you decide to pay by instalments over 2-25 years, our funeral plans come with the Co-op Commitment ¶

You can pay from as little as £15.89 a month, that’s just 52p a day ₮

5 Star Defaqto rating for our Gold Funeral Plans

Compare our set Funeral Plans against other providers below, who like us, are members of the Funeral Planning Authority (FPA)

Purchase Plan

You can purchase a Set Funeral Plan online or within your local funeral home.
If you'd like more information you can speak to a member of our Funeral Planning team on 0800 088 4883.

Please note that the Co-op Funeralcare funeral plan price shown is the member price and includes the £100 online discount. You will not receive the £100 online discount in addition to the £200 member saving.

The comparison table below also includes an ‘N/A’ column (Not Applicable). N/A means that there is no comparable plan.

Cremation - Are all services fully guaranteed with no more to pay at the time of the funeral?

Yes - when the time comes we can fully guarantee that there will be no more to pay for any of the services detailed in the funeral plan. No matter how much price rise in the future, you have the peace of mind of knowing that the funeral will be fully paid for.

We do not offer a Funeral Plan that does not include the price of the mandatory third party fees (sometimes called disbursements). This means that with Golden Charter'sBase Funeral Plan, the person arranging the funeral will have more to pay. In Golden Charter's other funeral plans, they give a contibution of £940 towards third party costs.

N/A

Golden Charter will make a contribution towards the third party costs (known as disbursements) such as crematorium fees and clergy fees. If these fees have risen above this contribution at the time of the funeral, there will be more to pay. Plan includes a contribution of £800 towards essential third party costs. For further information see their Terms & Conditions

Golden Charter will make a contribution towards the third party costs (known as disbursements) such as crematorium fees and clergy fees. If these fees have risen above this contribution at the time of the funeral, there will be more to pay. Plan includes a contribution of £1,110 towards essential third party costs. For further information see their Terms & Conditions

In England, Wales and Northern Ireland, Dignity will cover the services included in the cremation except Doctor’s Fees, which are £164, and must be paid at the time the funeral is arranged. Doctor’s fees are applicable in England, Wales and Northern Ireland. In some circumstances, where there is a coroner involved, doctors fees may not be applicable. Doctors fees are not applicable in Scotland.

Yes - In Scotland, when the time comes, Dignity will fully guarantee that there will be no more to pay for any of the services detailed in the funeral plan. No matter how much the price may rise in future, you have the peace of mind knowing that the funeral will be fully paid for. (In Scotland Doctors fees are not applicable).

In England, Wales and Northern Ireland, Dignity will cover the services included in the cremation except Doctor’s Fees, which are £164, and must be paid at the time the funeral is arranged. Doctor’s fees are applicable in England, Wales and Northern Ireland. In some circumstances, where there is a coroner involved, doctors fees may not be applicable. Doctors fees are not applicable in Scotland.

Yes - In Scotland, when the time comes, Dignity will fully guarantee that there will be no more to pay for any of the services detailed in the funeral plan. No matter how much the price may rise in future, you have the peace of mind knowing that the funeral will be fully paid for. (In Scotland Doctors fees are not applicable).

No - Perfect Choice will make a contribution of £1200 towards the third party costs (known as disbursements) such as crematorium fees, doctor' and clergy fees. If these fees have risen above this contribution at the time of the funeral, there will be more to pay. For further information see their Terms & Conditions.

This plan covers your funeral director’s fees only. It does not cover any third party costs such as the cost of cremation, medical fees for cremation certificates, ministers or officiants fees.

No - Disbursements are not guaranteed. Golden Leaves has a set disbursement contribution of £940. If you pay in full or instalments, the contribution increases in line with the Retail Price Index (RPI)
If you pay by Fixed Monthly Payment, the contribution increases by 3% per annum and is only guaranteed to be covered after the first 12 months.

No - Disbursements are not guaranteed. Golden Leaves has a set disbursement contribution of £940. If you pay in full or instalments, the contribution increases in line with the Retail Price Index (RPI)
If you pay by Fixed Monthly Payment, the contribution increases by 3% per annum and is only guaranteed to be covered after the first 12 months.

Burials - Are all services fully guaranteed with no more to pay at the time of the funeral? (Does not include the purchase of a grave or headstone)

Yes - when the time comes we can fully guarantee that there will be no more to pay for any of the services detailed in the funeral plan, including burial or interment fee (single), gravedigger fee, fee for a church service and Minister or Officiant's fees to conduct a service at a local cemetery chapel or church or at the graveside. No matter how much price rise in the future, you have the peace of mind of knowing that the funeral will be fully paid for.

We do not offer a Funeral Plan that does not include the price of the mandatory third party fees (sometimes called disbursements). This means that with Golden Charter'sBase Funeral Plan, the person arranging the funeral will have more to pay. In Golden Charter's other funeral plans, they give a contibution of £940 towards third party costs.

N/A

Golden Charter will make a contribution towards the third party costs (known as disbursements) such as crematorium fees and clergy fees. If these fees have risen above this contribution at the time of the funeral, there will be more to pay. Plan includes a contribution of £800 towards essential third party costs. For further information see their Terms & Conditions

Golden Charter will make a contribution towards the third party costs (known as disbursements) such as crematorium fees and clergy fees. If these fees have risen above this contribution at the time of the funeral, there will be more to pay. Plan includes a contribution of £1,100 towards essential third party costs. For further information see their Terms & Conditions

No Dignity will not fully guarantee the cost of a burial and will only pay a contribution of £1,220 towards third party burial costs that increases in line with the Retail Price Index (RPI).

No - Dignity will not fully guarantee the cost of burial services, and make a contribution of £1,220 towards third party costs which rise in line with the Retail Price Index (RPI). If these fees have risen above this contribution at the time of the funeral, there will be more to pay. For more information please see Dignity's terms and conditions.

No - Perfect Choice will make a contribution towards the third party costs. If these fees have risen above this contribution at the time of the funeral, there will be more to pay. For further information see their Terms & Conditions.

This plan covers your funeral director’s fees only. It does not cover any third party costs such as the cost of cremation, medical fees for cremation certificates, ministers or officiants fees.

No - Disbursements are not guaranteed. Golden Leaves has a set disbursement contribution of £940. If you pay in full or instalments, the contribution increases in line with the Retail Price Index (RPI)
If you pay by Fixed Monthly Payment, the contribution increases by 3% per annum and is only guaranteed to be covered after the first 12 months.

No - Disbursements are not guaranteed. Golden Leaves has a set disbursement contribution of £940. If you pay in full or instalments, the contribution increases in line with the Retail Price Index (RPI)
If you pay by Fixed Monthly Payment, the contribution increases by 3% per annum and is only guaranteed to be covered after the first 12 months.

Yes - you have the choice of over 1,200 Co-op owned funeral directors across the whole of the United Kingdom. You can choose which one at any time and change your selection as often as you want at no cost i.e. if you move house.

We do not offer a Funeral Plan that does not include the price of the mandatory third party fees (sometimes called disbursements). This means that with Golden Charter'sBase Funeral Plan, the person arranging the funeral will have more to pay. In Golden Charter's other funeral plans, they give a contibution of £940 towards third party costs.

Yes - although Golden Charter have a list of independent funeral directors who have agreed to redeem their funeral plans, there is no guarantee that a request to these funeral directors will be accepted. Their Terms & Conditions also state that there are potential additional charges at the time of the funeral. (b)

N/A

Yes - although Golden Charter have a list of independent funeral directors who have agreed to redeem their funeral plans, there is no guarantee that a request to these funeral directors will be accepted. Their Terms & Conditions also state that there are potential additional charges at the time of the funeral. (b)

No - Dignity will appoint a funeral director called the "Nominated Funeral Director" from over 1200 funeral directors. If the Nominated Funeral Director cannot for any reason perform your funeral, Dignity will appoint an alternative Nominated Funeral Director for you. If you have a specific funeral director in mind you can contact Dignity to see if they can be nominated. For further information see Dignity's 'Your Nominated Funeral Director' Terms and Conditions.

No - Dignity will appoint a funeral director called the "Nominated Funeral Director" from over 1200 funeral directors. If the Nominated Funeral Director cannot for any reason perform your funeral, Dignity will appoint an alternative Nominated Funeral Director for you. If you have a specific funeral director in mind you can contact Dignity to see if they can be nominated. For further information see Dignity's 'Your Nominated Funeral Director' Terms and Conditions.
For further information see Dignity's 'Your Nominated Funeral Director' Terms and Conditions.

No - Dignity will appoint a “nominated funeral director” from over 1300 Funeral Directors available in the UK. If the Nominated Funeral Director cannot for any reason perform your funeral, Dignity will appoint an alternative Nominated Funeral Director for you. Dignity also reserves the right to appoint a different or new Nominated Funeral Director to carry out your chosen funeral.
For further information see Dignity's 'Your Nominated Funeral Director' Terms and Conditions.

Maybe – Perfect Choice allow you to select any accredited funeral directing firm. If you have a preferred funeral director, you should include their details. They will then endeavour to place your funeral plan with your chosen funeral director.

No. Golden Leaves will appoint a funeral director from their network without exception.

No. Golden Leaves will appoint a local funeral director from their network. A specific funeral director can be requested, but it is not guaranteed that they will agree to deliver the services.

Can I change which funeral director will arrange the funeral in the future free of charge?

Yes - you can change which funeral director you have nominated to arrange your funeral at any time in the future, as many times as you want and at no cost. For example, if you move house you can then choose the Co-op owned funeral director that is closest to you. You can do this by calling us at any time, writing to us or visiting your local funeral home.

We do not offer a Funeral Plan that does not include the price of the mandatory third party fees (sometimes called disbursements). This means that with Golden Charter'sBase Funeral Plan, the person arranging the funeral will have more to pay. In Golden Charter's other funeral plans, they give a contibution of £940 towards third party costs.

Maybe - Golden Charter's Terms & Conditions state that you can request a different Selected Funeral Director by giving written notice and they will use "reasonable efforts to comply with your request", but this may result in the Selected Funeral Director charging an additional sum.

N/A

Maybe - Golden Charter's Terms & Conditions state that you can request a different Selected Funeral Director by giving written notice and they will use "reasonable efforts to comply with your request", but this may result in the Selected Funeral Director charging an additional sum.

Yes - If you change address you must notify Dignity and if appropriate they will appoint an alternative "Nominated Funeral Director".

Yes - If you change address you must notify Dignity and if appropriate they will appoint an alternative "Nominated Funeral Director".

Maybe - Perfect Choice's Terms & Conditions state that if you move to a different area you may be required to pay an additional sum when local costs are more expensive in the area you have moved to.

Maybe - If you wish to change the funeral director selected, for example if you move house, then you must contact Golden Leaves. Additional costs may apply.
For further information see their Terms and Conditions

Maybe - If you wish to change the funeral director selected, for example if you move house, then you must contact Golden Leaves. Additional costs may apply.
For further information see their Terms and Conditions

Can the funeral plan provider guarantee the quality of the funeral service?

Yes - only funeral directors that are Co-op owned will carry out the funeral. All our funeral homes are subject to our strict codes of standards and training. We arrange your funeral plan for you and then arrange all aspects of the funeral when the time comes. Restrictions apply on the day and time of day for the funeral, liaise with your Funeral Director for further details.

Yes - only funeral directors that are Co-op owned will carry out the funeral. All our funeral homes are subject to our strict codes of standards and training. We arrange your funeral plan for you and then arrange all aspects of the funeral when the time comes.

We do not offer a Funeral Plan that does not include the price of the mandatory third party fees (sometimes called disbursements). This means that with Golden Charter'sBase Funeral Plan, the person arranging the funeral will have more to pay. In Golden Charter's other funeral plans, they give a contibution of £940 towards third party costs.

No - Golden Charter only arrange funeral plans. They then sub-contract the funeral to one of over 3000 funeral directors they officially work with. They do not own the delivery of the funeral service so have no control over its quality (although they do have the right to inspect a Funeral Director's premises). Golden Charter are not experts in funeral services, nor do they have any responsibility over any other services that may be requested at the time of the funeral.

N/A

No - Golden Charter only arrange funeral plans. They then sub-contract the funeral to one of over 3000 funeral directors they officially work with. They do not own the delivery of the funeral service so have no control over its quality (although they do have the right to inspect a Funeral Director's premises). Golden Charter are not experts in funeral services, nor do they have any responsibility over any other services that may be requested at the time of the funeral.

Not always - Dignity own 831 funeral directors across the United Kingdom. In the areas where they do not own a funeral director, they sub-contract the funeral to an independent funeral director. When an independent funeral director arranges a funeral, Dignity do not own the delivery of the funeral service, nor do they have any responsibility over any other services that may be requested at the time of the funeral. The limited plan is restricted to Dignity's own funeral directors.

Not always - Dignity own 831 funeral directors across the United Kingdom. In the areas where they do not own a funeral director, they sub-contract the funeral to an independent funeral director. When an independent funeral director arranges a funeral, Dignity do not own the delivery of the funeral service, nor do they have any responsibility over any other services that may be requested at the time of the funeral.
Further restrictions apply on the day and time of the Basic funerals. Only available Tuesday to Thursday before 10.30am or after 3.30 pm.

Not always - Dignity own 831 funeral directors across the United Kingdom. In the areas where they do not own a funeral director, they sub-contract the funeral to an independent funeral director. When an independent funeral director arranges a funeral, Dignity do not own the delivery of the funeral service, nor do they have any responsibility over any other services that may be requested at the time of the funeral.

No - Perfect Choice only arrange funeral plans. They then sub-contract the funeral to one of the funeral directors they officially work with. They do not own the delivery of the funeral service so have no control over its quality (although they do have the right to inspect a Funeral Director's premises). Perfect Choice are not experts in funeral services, nor do they have any responsibility over any other services that may be requested at the time of the funeral.

No - Golden Leaves only arrange funeral plans. They do not own funeral directors. They sub-contract the funeral to a funeral director they already have an agreement with, so they do not own the delivery of the funeral service.

No
Golden Leaves only arrange funeral plans. They do not own funeral directors. They sub-contract the funeral to a funeral director they already have an agreement with, so they do not own the delivery of the funeral service.

If someone dies at night, will the funeral director take them into their care?

Yes - we offer a full 24 hour service. No matter what time someone dies, we will always be available to take them into our care.

We do not offer a Funeral Plan that does not include the price of the mandatory third party fees (sometimes called disbursements). This means that with Golden Charter'sBase Funeral Plan, the person arranging the funeral will have more to pay. In Golden Charter's other funeral plans, they give a contibution of £940 towards third party costs.

No - Golden Charter state that collection by the Funeral Director will be during normal Office hours only.

Yes 24 hours a day

N/A

Yes - Dignity offer a full 24 hour service. No matter what time someone dies, Dignity will always be available to take them into their care.

Yes - Dignity offer a full 24 hour service. No matter what time someone dies, Dignity will always be available to take them into their care.

Maybe - There is no specific mention of this in Perfect Choice's Terms and Conditions, so it is not made clear.

No - Golden Leaves will only take loved ones into care in 'normal working hours' i.e. between 9am and 5pm.

No - Golden Leaves will only take loved ones into care in 'normal working hours' i.e. between 9am and 5pm

How far will the funeral director collect the deceased from (miles radius)?

50 miles

We do not offer a Funeral Plan that does not include the price of the mandatory third party fees (sometimes called disbursements). This means that with Golden Charter'sBase Funeral Plan, the person arranging the funeral will have more to pay. In Golden Charter's other funeral plans, they give a contibution of £940 towards third party costs.

We do not offer a Funeral Plan that does not include the price of the mandatory third party fees (sometimes called disbursements). This means that with Golden Charter'sBase Funeral Plan, the person arranging the funeral will have more to pay. In Golden Charter's other funeral plans, they give a contibution of £940 towards third party costs.

A wood effect coffin.

A quality wood effect coffin.

A high quality wood veneer coffin.

A simple coffin.

A simple coffin.

N/A

A High Quality coffin.

A Superior coffin.

A basic coffin.

A wood effect coffin.

A quality wood effect coffin.

A high quality wood veneer coffin.

A basic coffin.

A wood effect coffin.

A quality wood effect coffin.

A high quality wood veneer coffin.

A simple coffin.

A veneered coffin.

A superior veneered coffin.

A basic coffin.

A basic coffin.

A standard coffin.

A high quality coffin.

How many limousines will follow the hearse?

0

We do not offer a Funeral Plan that does not include the price of the mandatory third party fees (sometimes called disbursements). This means that with Golden Charter'sBase Funeral Plan, the person arranging the funeral will have more to pay. In Golden Charter's other funeral plans, they give a contibution of £940 towards third party costs.

0

1

2

0

N/A

0

1

2

0

0

1

2

0

0

1

2

0

0

0

1 (Direct to crematorium or cemetery only)

2 (Direct to crematorium or cemetery only)

0

0

1

2

Will I be able to view my loved one?

Yes, during office hours.

Yes, at any time by appointment.

We do not offer a Funeral Plan that does not include the price of the mandatory third party fees (sometimes called disbursements). This means that with Golden Charter'sBase Funeral Plan, the person arranging the funeral will have more to pay. In Golden Charter's other funeral plans, they give a contibution of £940 towards third party costs.

Yes, during office hours.

N/A

Yes, during office hours.

Yes, at any time by appointment.

Viewing is available during normal business hours by appointment.

Viewing is available weekdays by appointment.

Viewing is available at any time by appointment.

Viewing is available weekdays during normal business hours by appointment.

Viewing is available during normal business hours by appointment.

Viewing is available at any time by appointment.

No, this Funeral Plan doesn't include the option to view your loved one.

Yes, there is an option to view your loved one

No viewing is included in this Funeral Plan.

No viewing is included in this Funeral Plan.

Yes, by appointment.

Can I choose the cortege (funeral procession) route?

The cortege will travel directly to the crematorium or cemetery from our funeral home.

You can choose to leave from the family home with a flexible route and travel to the service at the crematorium, or for burial to a service at the cemetery, chapel or graveside.

We do not offer a Funeral Plan that does not include the price of the mandatory third party fees (sometimes called disbursements). This means that with Golden Charter'sBase Funeral Plan, the person arranging the funeral will have more to pay. In Golden Charter's other funeral plans, they give a contibution of £940 towards third party costs.

No, the cortege will leave directly from the funeral home to the crematorium or cemetery.

N/A

No, the cortege will leave directly from the funeral home to the crematorium or cemetery.

No, the cortege will travel directly to the crematorium or cemetery from our funeral home.

You can choose to leave from the family home and travel to a separate service location before the funeral.

No, the cortege will travel directly to the crematorium or cemetery from our funeral home.

You can choose to leave from the family home and travel to a separate service location before the funeral.

No, the cortege will travel directly to the crematorium or cemetery from your selected funeral home.

No, the cortege will go directly to the crematorium or cemetery from the funeral home.

No, the cortege will go directly to the crematorium or cemetery from the funeral home.

Yes, you can spread the cost from between 6 months to 25 years. For periods of 2 years and over, there will be an installment charge.
Click here for full details.

We do not offer a Funeral Plan that does not include the price of the mandatory third party fees (sometimes called disbursements). This means that with Golden Charter'sBase Funeral Plan, the person arranging the funeral will have more to pay. In Golden Charter's other funeral plans, they give a contibution of £940 towards third party costs.

Yes, you can spread the cost from between 1 to 30 years. For periods of 2 years and over, there will be an additional charge. Full details, including any additional fees are on the Golden Charter website.

N/A

Yes, you can spread the cost from between 1 to 30 years. For periods of 2 years and over, there will be an additional charge. Full details, including any additional fees are on the Golden Charter website.

Yes, you can spread the cost up to 25 years. If you spread the cost over more than 12 months there is an additional charge. Full details are on their website.

Yes, you can spread the cost up to 25 years. If you spread the cost over more than 12 months there is an additional charge. Full details are on their website.

If you want to pay in instalments, you need to call Perfect Choice to discuss. Full details are on their website.

Yes - You can spread the cost over 1 year, 3 years or 5 years but will be required to pay an upfront deposit.
For further information see their Terms & Conditions.

Yes - You can spread the cost over 1 year, 3 years or 5 years but will be required to pay an upfront deposit.
For further information see their Terms & Conditions.

Are there any Cancellation Charges?

There is a 30 day cooling off period, during which time you can cancel and receive a full refund. After that a Cancellation fee of £250 will be payable.

We do not offer a Funeral Plan that does not include the price of the mandatory third party fees (sometimes called disbursements). This means that with Golden Charter'sBase Funeral Plan, the person arranging the funeral will have more to pay. In Golden Charter's other funeral plans, they give a contibution of £940 towards third party costs.

There is a 30 day cooling off period, during which time you can cancel and receive a full refund. After that a Cancellation Fee of £249 will be payable.

N/A

There is a 30 day cooling off period, during which time you can cancel and receive a full refund. After that a Cancellation Fee of £249 will be payable.

There is a 30 day cooling-off period during which time you can cancel your plan free of charge and receive a full refund of any monies paid. After the 30 days there is a cancellation charge of £249.

There is a 30 day cooling-off period during which time you can cancel your plan free of charge and receive a full refund of any monies paid. After the 30 days there is no cancellation fee.

There is a 30 day cooling off period, after which there is a full refund minus a £160 management fee.

It depends on your method of payment - If you are paying in full or instalments and cancel within 30 days, payment will be refunded.
After 30 days, there may be additional charges. For further information see their Terms & Conditions.

It depends on your method of payment - If you are paying in full or instalments and cancel within 30 days, payment will be refunded.
After 30 days, there may be additional charges. For further information see their Terms & Conditions.

Offline Price

2795±

3195±

3550±

3799±

2895

N/A

3495

3850

4099

2795

3195

3550

3795

2770

3170

3525

3770

3605

2535

3605

3915

4280

2760

3105

3460

3710

Online Price

2795±

3195±

3550±

3799±

2895

N/A

3495

3850

4099

2795

3195

3550

3795

2770

3170

3525

3770

3605

2535

3605

3915

4280

2760

3105

3460

3710

Member Benefits

Co-op Members benefit from exclusive prices for members, saving £200 when arranging a funeral plan with us.
And your community benefits too, as we give 1% of what you spend to a local cause that you get to choose. To find out how to become a Co-op member visit our membership page.

We do not offer a Funeral Plan that does not include the price of the mandatory third party fees (sometimes called disbursements). This means that with Golden Charter'sBase Funeral Plan, the person arranging the funeral will have more to pay. In Golden Charter's other funeral plans, they give a contibution of £940 towards third party costs.

Co-op Members benefit from exclusive prices for members, saving £200 when arranging a funeral plan with us.
And your community benefits too, as we give 1% of what you spend to a local cause that you get to choose. To find out how to become a Co-op member visit our membership page.

Co-op Members benefit from exclusive prices for members, saving £200 when arranging a funeral plan with us.
And your community benefits too, as we give 1% of what you spend to a local cause that you get to choose. To find out how to become a Co-op member visit our membership page.

Co-op Members benefit from exclusive prices for members, saving £200 when arranging a funeral plan with us.
And your community benefits too, as we give 1% of what you spend to a local cause that you get to choose. To find out how to become a Co-op member visit our membership page.

No member benefit.

N/A

No member benefit, however you do receive a provisionally drafted Will with this service.

No member benefit, however you do receive a provisionally drafted Will with this service.

No member benefit, however you do receive a provisionally drafted Will with this service.

Will my funeral plan still be provided with no more for my family to pay if I die before paying all my instalments?

Yes - If you choose to pay in instalments over 2 – 25 years, your plan will include the Co-op Commitment. This means if you die after the first 12 months of your plan, but before all your instalments have been paid, Co-op will still deliver all the services provided in your plan, with no more for your family to pay.
You’ll also be entitled to the Co-op Commitment if you die within the first 12 months as the result of an accident.
Instalments must be paid up to date and your funeral must be arranged and carried out by one of our Funeral Directors. See our terms and conditions for more detail.

Yes - If you choose to pay in instalments over 2 – 25 years, your plan will include the Co-op Commitment. This means if you die after the first 12 months of your plan, but before all your instalments have been paid, Co-op will still deliver all the services provided in your plan, with no more for your family to pay.
You’ll also be entitled to the Co-op Commitment if you die within the first 12 months as the result of an accident.
Instalments must be paid up to date and your funeral must be arranged and carried out by one of our Funeral Directors. See our terms and conditions for more detail.

No. If you take out a Golden Charter Funeral Plan and you die before all the monthly payments have been made, then your ‘Representative’ who will be the person responsible for paying for the funeral, will have to make up the shortfall. This means they will have to pay all the outstanding monthly repayments until the funeral plan has been paid for in full. The Co-op will not ask you to make up the shortfall (see our terms and conditions).

No. If you take out a Golden Charter Funeral Plan and you die before all the monthly payments have been made, then your ‘Representative’ who will be the person responsible for paying for the funeral, will have to make up the shortfall. This means they will have to pay all the outstanding monthly repayments until the funeral plan has been paid for in full. The Co-op will not ask you to make up the shortfall (see our terms and conditions).

No. If you take out a Golden Charter Funeral Plan and you die before all the monthly payments have been made, then your ‘Representative’ who will be the person responsible for paying for the funeral, will have to make up the shortfall. This means they will have to pay all the outstanding monthly repayments until the funeral plan has been paid for in full. The Co-op will not ask you to make up the shortfall (see our terms and conditions).

No. If you take out a Dignity Funeral Plan and you die before all the monthly payments have been made, then your ‘Personal Representative’ who will be the person responsible for paying for the funeral, will have to make up the shortfall. This means they will have to pay all the outstanding monthly repayments until the funeral plan has been paid for in full. The Co-op will not ask you to make up the shortfall (see our terms and conditions).

No. If you take out a Age Co Funeral Plan and you die before all the monthly payments have been made, then your ‘Personal Representative’ who will be the person responsible for paying for the funeral, will have to make up the shortfall. This means they will have to pay all the outstanding monthly repayments until the funeral plan has been paid for in full. The Co-op will not ask you to make up the shortfall (see our terms and conditions).

No. If you take out a Perfect Choice Funeral Plan and you die before all the monthly payments have been made, then your ‘Representative’ who will be the person responsible for paying for the funeral, will have to make up the shortfall. This means they will have to pay all the outstanding monthly repayments until the funeral plan has been paid for in full. The Co-op will not ask you to make up the shortfall (see our terms and conditions).

No. If you take out a Perfect Choice Funeral Plan and you die before all the monthly payments have been made, then your ‘Representative’ who will be the person responsible for paying for the funeral, will have to make up the shortfall. This means they will have to pay all the outstanding monthly repayments until the funeral plan has been paid for in full. The Co-op will not ask you to make up the shortfall (see our terms and conditions).

Co-op Funeralcare

Price± Member Reward

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Price± Member Reward

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±Price shown is the member price and includes the £100 online discount. You will not receive the £100 online discount in addition to the £200 member saving.

*This comparison table includes only some of the main plan features for Set Funeral Plans.

^UK law requires two doctors for cremations and only one for burials. See the gov.uk website Cremation Guidance for further information.

**Price per month applies for a Funeral Plan purchased on our website including the £100 online saving and is based on payments made over 25 years. Our low cost monthly instalments give you a range of payment options, providing greater flexibility. With a choice of terms over 2 - 25 years you can spread the cost of paying for your Funeral Plan. An Instalment Charge is included in the Plan cost if you choose to pay over 2-25 years. A maximum age limit applies to the Plan Purchaser. This option is available to anyone as long as the Plan is paid for in full before the Plan Purchasers 80th birthday.

Ɨ Please note that Set Burial Plans do not include the purchase of a grave.

¶The Co-op Commitment; Applies if you choose to pay in instalments over 2 – 25 years. If you die after the first 12 months of your plan, but before all your instalments have been paid, Co-op will still deliver all the services provided in your plan, with no more for your family to pay. You’ll be entitled to the Co-op Commitment if you die within the first 12 months as the result of an accident, see our terms and conditions for further information.

₮£15.89 a month is based on a 30 year old Co-op member purchasing a Simple Funeral Plan online at £2,795 over 25 years (total amount repayable £4768.50). The same plan purchased by a 50 year old Co-op member is £16.10 a month (total amount repayable £4831.50).

Table notes

All information correct at 18th May 2018. All information included in this table has been taken from provider websites. If you intend to travel overseas, perhaps remaining there for some time, we recommend that your travel or medical insurance policy includes full cover for repatriation costs to your funeral director's premises. Please check with the provider for more details.

a) 'Fully guaranteed' means no matter how much the costs of the services specifically included in the Set Funeral Plans increase between now and the time of the funeral, there will be no more to pay for these services. Third party costs (often called disbursements) such as fees for the burial, doctor, church, minister and grave-digger are not always fully guaranteed - and the amount covered by any contribution varies between providers.

b) Not guaranteed and may incur additional costs. For further information see clause 9.2 in Golden Charter's Terms and Conditions and general Terms and Conditions of other suppliers.

c) Monthly Direct Debit payments for a fixed period. The following Direct Debit payment options are available for Co-op Funeralcare Set Funeral Plans online are 6 and 12 months at no additional charge and 24 to 300 months (25 years) with additional instalment charges as shown here. Dignity instalment charges are 24 months (5.8%), 36 months (6.9%), 60 months (15.42%) and 120 months (32,60%). Golden Leaves instalment charges are 36 and 60 months (6% pa after year 1). Golden Charter have a minimum deposit of £49 for all instalment options.

e) If you choose to spread the cost over more than 12 months an administration fee will apply

f) Payments by instalments are subject to a cumulative interest charge of 6% - The first year is interest free. Plan prices are based on a national average - in some areas of the country the prices of services maybe considerably higher - should your chosen funeral director not accept the plan at Golden Leaves' national average price you will be advised of the regional variation in pricing. For further information see their Terms and Conditions.

All competitor pricing shown in this table includes any known discounts.

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The Funeral Plan contract is made between you and Funeral Services Limited (30808), a registered society under the Co-operative and Community Benefit Societies Act 2014 whose registered office is at 1 Angel Square, Manchester, M60 0AG. VAT registered 403 3146 04. The Co-operative Funeralcare is a trading name of Funeral Services Limited. Part of The Co-operative Group.